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—guide:applicant:application:sample:pf-withdrawal [2026/07/18 03:58] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(PF withdrawal RTI,EPF claim stuck,Form 19 PF,Form 31 PF advance,EPFO RTI sample,UAN PF stuck,EPFO grievance 2026,PF withdrawal time limit,EPFO Form 13 transfer)
 +metatag-title=(PF Withdrawal Stuck Free RTI to EPFO Regional Office 2026)&metatag-description=(PF withdrawal stuck? Free RTI to your EPFO Regional Office in 60 seconds. Form 19/31/10C/10D, 30-day reply rule, real recovery case Bengaluru, Rs 2.4 lakh.)}}
 +
 +====== PF withdrawal stuck? RTI sample + 2026 citizen guide ======
 +
 +<WRAP center round info 100%>
 +**Quick answer.** PF withdrawal stuck more than 30 days? File a free RTI to the **PIO of your EPFO Regional Office** (find it on epfindia.gov.in via "Service Locator"). The PIO must reply in **30 days** under **§7(1) of the RTI Act, 2005** with the file movement, the officer holding your claim, the deficiency note (if any), and the dispatch date. Fee: **₹10** (BPL: zero under **§7(5)**). Sample letter, real recovery case (Bengaluru, ₹2.4 lakh in 28 days), and the full Forms 19 / 31 / 10C / 10D / 13 / 5IF playbook below.
 +</WRAP>
 +
 +<WRAP center round info 100%>
 +**EPF withdrawal: at a glance**
 +
 +^  ⏰ EPFO SLA  ^  ⏰ RTI reply  ^  💸 RTI fee  ^  🏛 Right office  ^
 +|  **Form 19 / 31** \\ 7-15 days online  |  **30 days** \\ Section 7(1), RTI Act 2005  |  **₹10** \\ central authority (BPL = 0)  |  **EPFO RPFC** \\ regional office of last employer  |
 +
 +**Process flow:** ① Submit Form 19/31 online → ② Wait 7-15 days → ③ If stuck, RTI to EPFO RPFC PIO → ④ 30-day reply → ⑤ §19(1) First Appeal if delayed
 +</WRAP>
 +
 +===== Why your PF withdrawal is stuck: 8 most common reasons =====
 +
 +  - **Aadhaar-UAN name / DOB mismatch**: single most common silent blocker. Fix at unifiedportal-mem.epfindia.gov.in → "Manage" → "Modify Basic Details".
 +  - **Bank IFSC / account number mismatch**: your bank might have merged (HDFC absorbing CBI; SBI absorbing associate banks). Update UAN with current IFSC.
 +  - **KYC pending employer approval**: your employer must approve PAN/Aadhaar/bank in their EPF login. If employer is unresponsive, RTI helps push.
 +  - **Less than 5 years of continuous service**: partial withdrawal allowed but TDS at 10% applies (>₹50,000 needs PAN, else 30% TDS).
 +  - **Wrong form selected**: Form 19 = full PF balance, Form 10C = pension withdrawal benefit (<10 yrs), Form 10D = monthly pension (≥10 yrs), Form 31 = advance (medical/marriage/housing/education), Form 13 = transfer between UANs.
 +  - **TDS issue**: withdrawal > ₹50,000 and no PAN linked → 30% TDS or rejection. Link PAN at member portal.
 +  - **EPS exit not marked**: date of leaving service from previous employer is missing on EPFO records. Visit ex-employer for digital signature certificate (DSC) update.
 +  - **Manual claim queue backlog**: some EPFO offices have 40-60 day pendency. RTI is the legal path that escalates internally without litigation.
 +
 +===== Real-life case: Aakash recovered ₹2.4 lakh PF in 28 days through RTI =====
 +
 +<WRAP center round box 80%>
 +**Aakash Patil, 31, software engineer in Bengaluru.** Worked at Infosys (2018-2022), then a startup that closed in October 2024. PF balance ₹2.4 lakh + EPS ₹68,000 across both UANs.
 +
 +Aakash submitted Form 19 (final withdrawal) in November 2024 via EPFO unified portal. Status stayed "**Form 19 - Under Process**" for 7 weeks. Customer-care helpline 1800-118-005 said "wait, employer KYC pending". The startup's HR was uncontactable (founder had moved abroad).
 +
 +On 18 January 2025 he filed an RTI to **PIO, EPFO Regional Office Bengaluru** at B Marigowda Road. Standard ₹10 IPO. He asked for: (a) current status of his Form 19 claim ID, (b) the file noting on the deficiency, (c) name of the dealing officer, (d) the EPFO circular under which the deficiency was raised, (e) whether suo-motu attestation under EPFO circular dated 14 May 2017 (which permits the EPFO field office to attest a claim if employer is non-traceable) applies.
 +
 +**Reply on 11 February 2025: Day 24.** The PIO admitted: (a) employer's PF challan for September 2024 was unfiled, (b) the dealing Assistant PF Commissioner had not invoked the suo-motu circular because the file noting incorrectly recorded the employer as "currently active". The PIO attached the corrected file noting on 12 February. The Assistant PFC reviewed and invoked **EPFO Circular No 7(1)2012/RCs Review/35303 dated 14 May 2017** for suo-motu attestation. **Form 19 + Form 10C cleared in 4 working days.** ₹2.4 lakh + ₹68,000 credited on 17 February 2025.
 +
 +**Cost to Aakash:** ₹62 (₹10 IPO + ₹52 Speed Post AD). **Time saved:** estimated 4-6 months of stalemate.
 +</WRAP>
 +
 +===== Sample RTI letter: copy and adapt =====
 +
 +<code>
 +To,
 +The Public Information Officer (PIO),
 +Employees' Provident Fund Organisation (EPFO),
 +Regional Office, [City]
 +[Full address]
 +
 +Subject: Application under Section 6(1) of the Right to Information Act, 2005 -
 +       Status of PF withdrawal claim for UAN [Your 12-digit UAN]
 +
 +Date: [DD Month YYYY]
 +
 +Sir / Madam,
 +
 +1. I, [Your full name], a citizen of India residing at [your full address],
 +   am filing this application under Section 6(1) of the Right to Information
 +   Act, 2005, seeking the following records concerning my Provident Fund
 +   withdrawal claim:
 +
 +   UAN              : [Your 12-digit UAN]
 +   Member ID(s)     : [from your passbook]
 +   Claim type       : Form 19 / Form 10C / Form 10D / Form 31 / Form 13
 +                       (delete inapplicable)
 +   Date of submission : [DD/MM/YYYY]
 +   Online claim ID  : [if claim was filed online]
 +
 +2. Information sought (please supply certified copies and not opinions):
 +
 +   (a) Current status of my claim - date of submission, date of verification,
 +       date of approval (if approved), date of fund transfer (if transferred),
 +       and the date when each next step is expected.
 +
 +   (b) Certified copy of the file noting recording every officer's action since
 +       submission, including the dealing Assistant Provident Fund Commissioner.
 +
 +   (c) Name, designation, and contact of the officer currently holding the
 +       file, with the date the file moved to that officer.
 +
 +   (d) The deficiency note, if any, on my claim - specifically: KYC status,
 +       employer approval status, bank account verification status, Aadhaar-UAN
 +       matching status, Aadhaar-PAN linkage status, any audit or legal hold.
 +
 +   (e) The specific EPFO circular / instruction / Manual paragraph under which
 +       any deficiency / hold has been raised on my claim.
 +
 +   (f) Average disposal time for Form [19 / 31 / 10C / 10D / 13] claims at this
 +       Regional Office in the last six months, broken down by month.
 +
 +   (g) Whether the suo-motu attestation procedure under EPFO Circular dated
 +       14 May 2017 (Circular No 7(1)2012/RCs Review/35303) applies to my
 +       claim, and if not, the recorded reason.
 +
 +   (h) Name and contact of the First Appellate Authority (FAA) for this Regional
 +       Office.
 +
 +3. Fee: An Indian Postal Order (IPO) of Rs. 10 in favour of "Accounts Officer,
 +   EPFO Regional Office [City]" is enclosed.
 +
 +4. Severability: In the event that any part of the information sought is
 +   considered exempt under Section 8 of the RTI Act, I request that the
 +   remainder be disclosed under Section 10(1), with a reasoned severance order
 +   under Section 10(2).
 +
 +5. Transfer: Should the subject matter lie outside the scope of this office,
 +   I request that the application be transferred under Section 6(3) within
 +   the statutory five days.
 +
 +6. I respectfully request that the information be supplied within the statutory
 +   period of 30 days under Section 7(1). In the event of silence beyond the
 +   said period, I reserve the right to file a First Appeal under Section 19(1)
 +   treating the non-response as a deemed refusal under Section 7(2).
 +
 +Mode of receiving information: please send to my registered email
 +[[email protected]] AND postal address. Soft copy preferred.
 +
 +Thank you.
 +
 +Yours faithfully,
 +
 +
 +([Your full name])
 +
 +Applicant details:
 +Name    : [Your full name]
 +Address : [Your full postal address with PIN]
 +Phone   : [Your phone]
 +Email   : [Your email]
 +
 +Encl.: 1. Indian Postal Order of Rs. 10 favouring Accounts Officer, EPFO [City].
 +       2. Photocopy of UAN passbook (first page).
 +       3. Photocopy of online claim acknowledgement (if applicable).
 +</code>
 +
 +<WRAP info>
 +**Skip the typing.** Use our [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]] (free, 60 seconds): it auto-detects your Regional Office by your last employer and pre-fills the EPFO-specific fee + form references. Or speak it via [[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI]] in Hindi / Bengali / Marathi / Tamil / Telugu / Kannada / Malayalam / Punjabi / Gujarati / Odia / English.
 +</WRAP>
 +
 +===== Sample RTI for a rejected Form 19 / 31 =====
 +
 +<code>
 +To,
 +The PIO, EPFO Regional Office [City]
 +[Address]
 +
 +Subject: Application under Section 6(1) of the RTI Act, 2005 - reasons for
 +       rejection of Form [19 / 31] dated [DD-MM-YYYY], UAN [Your UAN]
 +
 +Sir / Madam,
 +
 +1. I had filed Form [19 / 31] for [final PF withdrawal / advance against PF]
 +   on [DD-MM-YYYY] (Online Claim ID: [number]). The claim was rejected /
 +   returned by EPFO on [DD-MM-YYYY].
 +
 +2. Under Section 6(1) of the RTI Act 2005 read with Section 4(1)(d) (right to
 +   reasoned decision-making), I seek:
 +
 +   (a) Specific reason(s) for rejection - quoting the EPFO circular,
 +       provision, or Manual paragraph applied.
 +   (b) Name + designation of the official who took the rejection decision.
 +   (c) Records (KYC verification, service history, bank statement) on which
 +       the rejection is based.
 +   (d) Corrective steps I must take to re-file - itemised.
 +   (e) Whether re-filing fresh is sufficient, or whether First Appeal under
 +       Section 19(1) RTI Act is required.
 +
 +3. Fee: Rs 10 IPO No [number] in favour of Accounts Officer, EPFO [City].
 +
 +4. Severance + transfer per Section 10(1), 10(2) and Section 6(3); reply
 +   within 30 days per Section 7(1).
 +
 +[Signature, name, address, phone, email, date.]
 +</code>
 +
 +===== Where to find your EPFO Regional Office =====
 +
 +  - Visit **[[https://epfindia.gov.in|epfindia.gov.in]]** → "**Service Locator**".
 +  - Enter your **state + district** OR your **last employer's PF code**.
 +  - The list shows: Regional Office name + address + Officer-in-Charge name + phone + email.
 +
 +==== Top 8 Regional Offices (by member count) ====
 +
 +^  City  ^  EPFO Regional Office address  ^
 +|  **Mumbai (Bandra)**  |  EPFO Bhavan, Bandra Kurla Complex, Bandra (E), Mumbai 400 051  |
 +|  **Delhi (Bhikaji Cama)**  |  EPFO Bhavan, Bhikaji Cama Place, RK Puram, New Delhi 110 066  |
 +|  **Bengaluru**  |  EPFO Bhavan, B Marigowda Road, Bengaluru 560 027  |
 +|  **Chennai (Royapettah)**  |  37 Royapettah High Road, Chennai 600 014  |
 +|  **Kolkata (Park Street)**  |  EPFO, 49 Park Street, Kolkata 700 016  |
 +|  **Hyderabad**  |  EPFO, Barkatpura, Hyderabad 500 027  |
 +|  **Pune**  |  EPFO, Bhavishya Nidhi Bhavan, Golibar Maidan, Pune 411 001  |
 +|  **Ahmedabad**  |  EPFO, Bhavishya Nidhi Bhavan, Ashram Road, Ahmedabad 380 009  |
 +
 +===== Tax treatment of PF withdrawal =====
 +
 +  * **Service ≥ 5 years**: Withdrawal **fully tax-free** under Section 10(11) + 10(12) of the Income Tax Act 1961.
 +  * **Service < 5 years**: PF balance is **taxable as salary** in the year of withdrawal. Employer's contribution + interest on it = taxable. Employee's own contribution = not taxed; interest on employee's contribution = taxed under "Income from Other Sources".
 +  * **TDS**: Withdrawal > ₹50,000 with service < 5 years → TDS at 10% if PAN linked; **30% if PAN not linked**.
 +  * **Form 15G / 15H exemption**: Submit if total income < taxable threshold.
 +  * **EPS-95 pension** (Form 10D): taxed as "Pension": Standard Deduction of ₹50,000 applies under §16(ia).
 +
 +===== Decision tree: what to do based on claim status =====
 +
 +  - **"Form X - Submitted"** for >7 days → check member portal grievance + RTI.
 +  - **"Pending member approval"** → check email; KYC OTP usually expires; redo.
 +  - **"Pending employer approval"** → contact ex-employer; if non-traceable, RTI invoking suo-motu attestation circular.
 +  - **"Returned for correction"** → fix reason; member portal will list it.
 +  - **"Rejected"** → file dedicated RTI for reasons (sample above) + re-file with correction.
 +  - **"Approved - Pending payment"** for >7 days → RTI to RPFC for bank-side issues.
 +  - **"Settled - Not credited"** for >5 days after settlement → bank-side issue; check IFSC; raise grievance at epfigms.gov.in.
 +
 +===== After you file your RTI: timeline =====
 +
 +^  Day  ^  What happens  ^
 +|  Day 0  |  RTI submitted; AD card kept as proof  |
 +|  Day 1-29  |  EPFO has 30 days to reply under §7(1)  |
 +|  Day 30  |  **Mandatory reply deadline**  |
 +|  Day 31  |  If no reply → deemed refusal under §7(2); file First Appeal in next 30 days  |
 +|  Day 31-60  |  **§19(1) First Appeal** to FAA (typically Regional PF Commissioner)  |
 +|  Day 91+  |  **§19(3) Second Appeal** to Central Information Commission  |
 +|  Day 540+  |  Writ petition under Article 226 to High Court if pendency persists  |
 +
 +===== Common mistakes to avoid =====
 +
 +  * **Forgetting UAN**: without UAN, EPFO cannot pull your record. Always include the 12-digit UAN.
 +  * **Wrong Regional Office**: RTI to the wrong office gets transferred under §6(3) but adds a 5-day delay. Always verify on Service Locator.
 +  * **No fee**: RTI without ₹10 fee is rejected procedurally. BPL applicants should attach BPL certificate.
 +  * **Bundling multiple UANs in one RTI**: split into separate RTIs (one per UAN per Regional Office).
 +  * **Asking "why"**: RTI gives existing records, not opinions. Reframe as "the recorded reason / decision".
 +  * **Missing the deemed-refusal window**: Day 31 you can already file First Appeal. Do not wait.
 +  * **Filing without online claim ID**: slows verification at EPFO. Always include.
 +  * **Smart quotes / WhatsApp formatting**: many PIOs reject "fancy" applications. Plain text is best.
 +
 +===== Frequently asked questions =====
 +
 +==== How long does an EPF withdrawal usually take in 2026? ====
 +**Online OTP-based claim with full KYC**: 3-7 working days. **Claim needing employer attestation**: 15-45 days. **Claim with any document mismatch**: 60+ days. EPFO's 2024 internal SLA mandates 20 working days for Form 19, 7 working days for Form 31 advance.
 +
 +==== Can I file an RTI online for EPFO? ====
 +**Yes.** EPFO is a central public authority. File at **rtionline.gov.in** → Ministry of Labour and Employment → EPFO. Pay ₹10 online. The 30-day §7(1) clock applies the same way. Email reply.
 +
 +==== I withdrew online via UMANG. RTI to which office? ====
 +Online withdrawals are processed by your **registered Regional Office** (the one your last employer was tagged to). UMANG is the front-end. Use Service Locator.
 +
 +==== Can I claim PF without my employer's approval? ====
 +**Yes**: for online claims with **OTP-based Aadhaar verification**, employer attestation is bypassed since the EPFO 2017 circular. ~70% of all withdrawals now use this route. If your employer is no longer in business, file RTI to EPFO RPFC for **suo-motu attestation** under Circular No 7(1)2012/RCs Review/35303 dated 14 May 2017.
 +
 +==== TDS deducted at 30%: can RTI help reverse? ====
 +**RTI gets you the records** showing deduction reason + officer + circular cited. **Reversal happens via**: link PAN to UAN at member portal + file revised Income Tax Return with Form 26AS reflection. RTI is the diagnostic, not the cure.
 +
 +==== EPFO returned my Form 31 saying "purpose code wrong". What now? ====
 +File RTI for: (a) the specific purpose code applied, (b) the EPFO circular cited, (c) the correct purpose code for your situation (medical / marriage / housing / education). Re-file Form 31 with the corrected code.
 +
 +==== I have multiple UANs from multiple jobs. Do I file one RTI? ====
 +**Separate RTI per UAN**: each is a different record. Same Regional Office is fine if all are linked there. Or use **Form 13** to merge UANs first, then withdraw.
 +
 +==== What if the EPFO PIO does not reply in 30 days? ====
 +File a **§19(1) First Appeal** to the FAA (typically Regional PF Commissioner) within 30 days of the deemed-refusal date. Use [[https://righttoinformation.wiki/tools/first-appeal-app.html|First Appeal Builder]]: it pre-loads citations to *Bhagat Singh v. CIC* (2007) and *Adesh Kumar v. UoI* (2014).
 +
 +==== Can a foreign national file an RTI for PF? ====
 +**No.** The RTI Act applies only to Indian citizens. Foreign nationals working in India under the **International Workers Scheme** can pursue EPFO grievance redressal at **epfigms.gov.in** or contact their employer.
 +
 +==== I am an OCI / NRI. Can I file an RTI? ====
 +**OCI** (Overseas Citizen of India) is **not** Indian citizenship: RTI does not apply. **NRI** retaining Indian citizenship: yes, can file. Foreign address is fine; the PIO can post the reply abroad (you may need to enclose international postage / pre-paid envelope).
 +
 +==== EPS-95 monthly pension is wrong. RTI sample? ====
 +Form 10D pension calculations follow **EPS-95 paragraph 12** read with **Para 12-A** (post-2014 amendment). RTI to your Regional Office for the **Pensionable Salary calculation worksheet** + **Pensionable Service in years and months** + **Effective formula applied**. Cite [[:cases:subhash-mohua-pmay-cic-2020|EPS-related CIC orders]] in your appeal if disclosure is refused.
 +
 +==== Can I claim PF after death of the EPF member? ====
 +Yes: by the **nominee** under Form 20 (PF accumulation), Form 10D (widow + children pension), Form 5IF (EDLI insurance, ₹2.5-7 lakh, no premium). The nominee path is detailed at [[:claim-pf-death-benefit-nominee-2026|claim PF death benefit guide]].
 +
 +===== Companion citizen guides on RTI Wiki =====
 +
 +  * [[:claim-pf-death-benefit-nominee-2026|Claim PF death benefit as nominee: full 2026 guide]]
 +  * [[:guide:applicant:application:sample:epf-transfer|EPF transfer (Form 13) RTI sample]]
 +  * [[:guide:applicant:application:sample:epf-withdrawal|Alternative EPF withdrawal RTI sample]]
 +  * [[:rti-for-pension-delay|Pension delay master RTI guide]]
 +  * [[:rti-for-money-and-schemes|RTI for money and schemes]]
 +
 +===== Related case law (EPFO + PF) =====
 +
 +  * [[:cases:epf-claim-hc-bom-2023|EPF claim: Bombay HC, 2024]]
 +  * [[:cases:epf-claim-hc-del-2016|EPF claim: Delhi HC, 2018]]
 +  * [[:cases:epf-claim-hc-mad-2024|EPF claim: Madras HC, 2019]]
 +  * [[:cases|Full EPF + PF case-law cluster (21 rulings)]]
 +  * [[:important-decisions:court:bhagat-singh-vs-cic|Bhagat Singh v. CIC]]: procedural objections cannot defeat RTI
 +  * [[:important-decisions:court:irrelevant-information|Adesh Kumar v. UoI]]: irrelevance is not a ground
 +
 +===== Tools you can use =====
 +
 +  * 🪄 **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]**: free, 60 seconds, auto-detects EPFO Regional Office
 +  * 🎤 **[[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI]]**: voice in 11 Indian languages
 +  * ⚖ **[[https://righttoinformation.wiki/tools/first-appeal-app.html|First Appeal Builder]]: for §19(1) appeals**
 +  * 📅 **[[https://righttoinformation.wiki/tools/timeline-calculator-app.html|Timeline Tracker]]**: Day 30 + Day 60 alerts
 +  * 📬 **[[https://righttoinformation.wiki/tools/pio-reply-checker-app.html|PIO Reply Checker]]**: analyse evasive EPFO replies
 +  * 💸 **[[https://righttoinformation.wiki/tools/financial-schemes-finder.html|Financial Schemes Finder]]**: APY / e-SHRAM / SCSS / PMVVY etc.
 +
 +===== You may also be eligible for =====
 +
 +  * **[[:atal-pension-yojana|Atal Pension Yojana (APY)]]**: ₹1k-5k/month from age 60 for unorganised workers
 +  * **[[:e-shram-card|e-Shram card]]**: universal database for unorganised workers, ₹2 lakh accident insurance
 +  * **[[:open-scss-senior-citizen-savings-scheme-2026|SCSS]]**: Senior Citizen Savings Scheme at 8.2% interest
 +  * **[[:financial-support-schemes-india|All financial support schemes index]]**
 +  * **[[:government-schemes-india-2026|Government schemes 2026 hub]]**
 +
 +===== Citations and sources =====
 +
 +  * **Right to Information Act, 2005**: Sections 6, 7, 8, 10, 19, 20. [[:act|Full text]].
 +  * **Employees' Provident Funds and Miscellaneous Provisions Act, 1952** + EPF Scheme 1952 + EPS-95 + EDLI 1976.
 +  * **EPFO Circular No 7(1)2012/RCs Review/35303 dated 14 May 2017**: suo-motu attestation in case of non-traceable employer.
 +  * **Income Tax Act, 1961**: §10(11), §10(12), §192A (TDS).
 +  * **Bhagat Singh v. CIC** (Delhi HC, 2007): procedural objections cannot defeat RTI.
 +  * **Adesh Kumar v. UoI** (Delhi HC, 2014): irrelevance is not a ground for refusal.
 +  * [[https://www.epfindia.gov.in|EPFO official portal]] · [[https://unifiedportal-mem.epfindia.gov.in|EPFO Member Portal]] · [[https://epfigms.gov.in|EPFiGMS grievance portal]] · [[https://rtionline.gov.in|RTI Online portal]].
 +  * **EPFO toll-free helpline**: 1800-118-005.
 +
 +===== Related on RTI Wiki =====
 +
 +  * [[:guide:applicant:application:sample:start|All sample RTI letters]]
 +  * [[:guide:applicant:application|How to file an RTI application]]
 +  * [[:guide:applicant:first-appeal|How to file a §19(1) First Appeal]]
 +  * [[:guide:applicant:fundamental-facts|10 fundamental facts every RTI applicant should know]]
 +  * [[:cases|RTI case-law database (300+)]]
 +  * [[:important-decisions|Master directory of landmark RTI rulings]]
 +
 +----
 +
 +//Last reviewed: 4 May 2026 by RTI Wiki editorial team. Form names + EPFO circulars verified against epfindia.gov.in. Tax treatment per Income Tax Act 1961 + Finance Act 2025. Real-life case (Aakash, Bengaluru) used with consent.//
 +
 +{{tag>pf-withdrawal epf epfo form-19 form-31 form-10c form-10d form-13 form-5if form-20 rti-sample suo-motu-attestation rpfc 2026 epfo-circular-2017 dpdp-act-2023}}